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Personal Property & Casualty

Home & Auto, done right. 

Personal home, auto and umbrella coverage shopped across multiple carriers, bundled when it makes sense, priced as low as it should be, with a real person on the other end of the phone.

Personal lines are where most agents get lazy. The captive carrier sends you a renewal, the premium creeps up year over year and nobody is actually shopping the market again on your behalf.

We do the opposite. As an independent agency, we compare your home and auto across multiple carriers at renewal, layer in an umbrella where it makes sense and make sure your specialty exposures (wildfire, earthquake, flood, water backup) are actually addressed in the policy form, not just talked about.

Four pieces of a complete personal program.

Homeowners

Coverage for the dwelling itself, your personal property inside, liability if someone is hurt on your property and additional living expenses if you can’t live there during a covered loss.

  • Dwelling, other structures & contents
  • Personal liability protection
  • Additional living expenses
  • Scheduled jewelry, art, collectibles
  • Water backup and service line riders

Personal Auto

Liability, collision, comprehensive, uninsured motorist, medical payments and the optional coverage that lets a fender bender stay a fender bender.

  • Liability & uninsured motorist
  • Collision & comprehensive
  • Medical payments
  • Roadside assistance & rental
  • Multi vehicle and teen driver pricing

Personal Umbrella

Additional liability limits above specified underlying policies, subject to their terms. Review covered exposures, exclusions and required underlying limits rather than assuming an umbrella protects every asset from every claim.

  • Available limits depend on underwriting
  • Review eligible underlying home and auto policies
  • Check covered allegations and defense provisions
  • Pricing varies with the household and exposures
  • Compare exclusions and required underlying limits

Review bundled options

Placing policies together may offer discounts or simpler coordination, but neither savings nor eligibility is guaranteed. Compare coverage, deductibles and total cost before deciding.

  • Multi policy discounts
  • Single claims contact
  • Aligned renewal dates
  • Easier coverage coordination
  • Loyalty pricing over time

The difference is the shopping.

Review available options

Compare the policies available for your circumstances and understand the conditions, exclusions and tradeoffs.

State specific guidance

Wildfire zones, earthquake riders, flood and other state specific endorsements handled where needed, not glossed over.

Personal service

A claim or a policy question, you reach a person who knows your file, not a call center queue.

Bundled with your business

Many of our clients carry their business policy with us, putting home and auto under the same roof simplifies life.

Let’s see what we can do on your home & auto.

Send us your current declarations page and we’ll compare the market. If there’s a better fit, you’ll see it side by side. If not, we’ll tell you to keep what you have.